Free 45-minute online workshop · For households with $500,000 or more to protect
Don't let a nursing home take what took you a lifetime to build.
Spend 45 minutes with Matt Eller and learn how families with $500,000 or more protect their life savings from the cost of long-term care, and the ins and outs of Medicaid and asset protection that most people only learn in a hospital hallway, after it is too late to plan.
- The 70% problem. Why long-term care is the one line item most retirement plans leave blank, and what it actually costs per month in today's dollars and in 2045.
- The Medicare myth and the Medicaid reality. What Medicare will and will not pay for, how the five-year lookback works, and why "spending down" is what happens when there was no plan.
- Three ways to fund the risk, side by side. Traditional long-term care insurance, hybrid linked-benefit, and life insurance with a care rider: one real case, three real quotes, so you can see which fits what you are solving for.
- How to protect a spouse's retirement. The real risk is one spouse's care rewriting the other's retirement. You will see the specific features built for that.
Reserve your seat
One live online session. Free to attend, with live Q&A at the end.
Built for households with roughly $500,000 or more in savings, investments, or home equity to protect.
Free to attend. No products are discussed until you understand the risk. Seats on the live Zoom are limited by the platform; the replay is sent only to registrants who attend live or let us know they could not make it.
What you will walk away with
Forty-five minutes. Three things you will understand that most families never do.
No product pitch until you understand the risk. Every number on screen is sourced, and every quote shown is a real illustration run on a real case.
The real number you are protecting against
What long-term care actually is (it is not medical care), how a claim is legally triggered, what it costs in your market today, and what that same month of care will cost in the year you are most likely to need it.
Who pays, and who doesn't
Why Medicare pays very little, health insurance pays nothing, and Medicaid pays only after you are poor. How the five-year lookback works, what "spend down" really means for a $500,000-plus household, and why family caregiving is the invisible line item.
Three ways to fund the risk, with real quotes
Traditional long-term care insurance, hybrid linked-benefit, and life insurance with a care rider, side by side on one real 50-year-old. What each costs, what each pays, and what comes back if you never need care.
Who this is for
Built for people who have something to lose.
This workshop is for you if
- ✓You and your spouse have roughly $500,000 or more in savings, investments, retirement accounts, or home equity, and you want it to go to your family, not to a facility.
- ✓You are between 50 and 70, in reasonably good health, and you know the window to plan does not stay open forever.
- ✓You have watched a parent or friend go through care and you do not want your children managing that for you.
- ✓You have heard "Medicaid planning" and "asset protection" and want a straight answer on what those words actually mean for a household like yours.
- ✓You want to see real numbers, not a sales pitch.
It is probably not for you if
- –You are already receiving care or applying for Medicaid today. You need an elder law attorney now, not a workshop.
- –You are looking for a way to hide assets. Nothing in this session is about that, and we will say so.
- –You have decided your plan is "my kids will figure it out." That is a plan. It is just the most expensive one.
Your presenter
Matt Eller, CLU®, ChSNC®
"Half the value of planning is the conversation your family never has to have in a hospital hallway."
Matt has spent his career on the design side of life insurance and long-term care planning. Before founding Blackheath Partners, he partnered with high-net-worth and high-income families at Merrill Lynch to build estate planning and accumulation strategies, served as a Regional Vice President at MetLife, and led life insurance distribution for the Southeast at one of the country's largest mutual insurers.
That background matters for one reason: he has seen the carrier illustrations, the underwriting files, and the claims. He knows which features pay when a family actually needs them, and which ones only look good on a brochure.
Matt holds a bachelor's degree from the University of Illinois Urbana–Champaign. He lives in the Charlotte, North Carolina area with his wife, their three children, and a Labrador Hound named Johnny-Utah.
Questions before you register